If you’re unable to work due to a long-term disability and live in Iowa, you may be eligible for Social Security Disability Insurance (SSDI). SSDI is a federal program that provides monthly benefits to individuals who meet the Social Security Administration’s (SSA) medical and work requirements.
Below is a clear, step-by-step explanation of how to qualify for SSDI in Iowa.
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Step 1: You Must Have a Qualifying Work History
To be eligible for SSDI, you must have worked and paid into Social Security taxes for a certain number of years. This is measured in "work credits."
- Most applicants need 40 work credits, with 20 earned in the last 10 years
- Younger applicants may qualify with fewer credits, depending on their age
You earn up to
4 credits per year. In 2025, you get one credit for every
$1,730 earned (subject to annual changes).
Step 2: You Must Have a Qualifying Disability
Your medical condition must meet the SSA’s strict definition of disability:
- It must prevent you from engaging in substantial gainful activity (SGA)
- It must be expected to last at least 12 months or result in death
- It must be severe enough to limit your ability to perform basic work activities
The SSA uses a five-step evaluation process to determine if you qualify:
- Step 1: Are you currently working and earning above the SGA limit?
- Step 2: Is your condition considered severe?
- Step 3: Does your condition meet or equal a listed impairment in the SSA’s Blue Book?
- Step 4: Can you do any of your past work?
- Step 5: Can you do any other type of work based on your age, education, and skills?
Step 3: You Must Provide Sufficient Medical Evidence
Medical documentation is key to qualifying for SSDI. Be sure to include:
- Detailed medical records from doctors, hospitals, and clinics
- Test results, imaging studies, and lab reports
- Treatment history and compliance
- Statements from your doctors about your work limitations
Your condition must be thoroughly documented and aligned with SSA criteria.
Step 4: You Must Be a Legal U.S. Resident or Citizen
To qualify for SSDI, you must be:
- A U.S. citizen, or
- A legal permanent resident who has worked and paid Social Security taxes
You must also reside in the United States, including Iowa.
Step 5: You Must Not Be Engaged in Substantial Work
If you are working and earning more than the SSA’s Substantial Gainful Activity (SGA) threshold, your claim may be denied—even if you have a serious disability.
In 2025, the monthly SGA limit is approximately $1,550 for non-blind individuals (subject to annual changes).
How Hogan Smith Can Help
At Hogan Smith, we help Iowa residents successfully navigate the SSDI application process. If you’re unsure whether you qualify—or need help strengthening your claim—we’re here to assist with:
- Reviewing your work history and eligibility
- Gathering and organizing medical records
- Ensuring your application meets all SSA requirements
- Representing you through appeals if needed
Contact Hogan Smith Today
Wondering if you qualify for SSDI in Iowa? Contact Hogan Smith today for a free consultation. We’ll evaluate your situation, answer your questions, and guide you through every step of the SSDI process.
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